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The 2. 03k has a few more moving parts compared to other loans, which is why trained, educated and/or experienced 2. Professionals should be used. From what I understand about Wells Fargo is that their LO's that do 2. Wells Fargo to specialize in and only do renovation loans and so are the processor and underwriter. Typically Wells Fargo does a decent job with 2. A 2. 03k Consultant should have done a Feasibility Analysis or at least the home inspection or an FHA Compliance Inspector (not the appraiser) should have done the home inspection and detailed all requirements that are needed to bring the property up to HUD/FHA standards, including providing info on the utilities. Since the home inspection is typically done during the firs 7 days in escrow, this most likely would have eliminated the . The problem with the contractor could have been avoided if the LO would have properly vetted the contractor at the beginning, but most LO's don't even do that. 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